I support you with the key questions for your financial future: retirement planning, wealth building, income protection and investing. Especially when you live and work across different countries and systems, clear guidance and the right coverage make all the difference.
Whether you are a German working abroad or an expat who has moved to Germany, public systems are often not enough. I develop tailored concepts to help close your pension gap and keep your protection in place across borders.
International life paths call for flexible strategies. I help you build and protect your assets with solutions that fit your goals and are structured in a tax-efficient way.
Your income is the foundation for everything. I make sure you stay protected in case of illness, occupational disability, or during longer stays abroad, so you and your family can feel secure.
Whether you prefer a more secure investment approach, higher-return options, or a mix of both, I help you align your investments internationally. I take tax-specific details into account and provide access to a broad range of investment options that match your personal goals.
Spreefinanz gives you independent access to the whole market – for tailored solutions that truly fit your life. Our standard: clear advice, personal support, and a financial plan that gives you security – at home and abroad.
Whether you are a founder, student, employee, entrepreneur or civil servant – private retirement provision increases your financial security in older age. Professional advice establishes your individual needs and identifies suitable products. Government subsidies can be optimised, lifelong pensions structured, and attractive options explained in depth. I look forward to supporting you with your pension planning!
An aspect that is easy to neglect is building reserves as an essential complement to pension provision. Thinking about tougher periods in life may feel unpleasant, yet financial cushions help absorb setbacks – sudden loss of income, health issues or major unavoidable expenses. Reserves give you the freedom to deal with challenges calmly and without rash decisions.
I am convinced reserves are more than just a safety net: they foster composure when things go wrong. Well-planned reserves also avoid tying up wealth permanently and keep flexibility in how you deploy them.
Freelancers abroad face varying challenges and uncertainty. Solid reserves help you navigate fluctuating earnings or substantial business investments. If you operate in a dynamic industry and invest in upskilling or seize new opportunities, a buffer is often the decisive factor.
Building reserves takes discipline and a systematic approach. Start with manageable amounts deposited regularly into a dedicated account; a pragmatic goal can be roughly three to six months of expenses as an emergency reserve.
A guiding principle is to keep reserves for their primary purposes and avoid dipping into them for everyday spending. Deploy your buffer thoughtfully to sustain long-term financial stability.
I am happy to help you design a structured savings plan tailored to your needs. Together we find the balance between invested assets and safe reserves and plan how you access funds when circumstances require – always aligned with your personal situation.
The right reserves strategy lets you pursue freelance life with confidence and independence – prepared to enjoy today while still planning for a secure tomorrow.
Briefly describe what you would like via the English contact page and receive a tailored comparison or suggestion.